A Comparative Study of Lending Performance of the Commercial Banks

©2011 IAM IAM Level 2 Certificate in Principles of Business and Administration • Qualification handbook • 7

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Submitted in Partial Fulfillment for the Requirements of the degree Programme Bachelor of Business Administration

Carol M Graham, Mark V Cannice, Todd L Sayre. Journal of Management Research. New Delhi: Aug 2002. Vol. 2, Iss. 2; pg. 63, 10 pgs

An Honours Degree Project Submitted to the School of Business in Partial Fulfillment of the Graduation Requirement for the Degree of Bachelor of Business Administration (Honours)

23. Jawahar Babu K.V.S.N and B.Muniraja Selkhar, IOSR Journal of Business and Management (IOSRJBM) ISSN: 2278-487X Volume 2, Issue 5 (July-Aug. 2012), PP 01-05 www.iosrjournals.org

Table 6: Profile of financial ratios of The ICICI Bank for three financial years post merger (in percentages)

(Dr). T. Velnampy and J. AloyNiresh wrote an article with topic “The Relationship between Capital Structure & Profitability “. The article focuses on the fact that an unplanned capital structure could lead to inefficient use of the funds whereas a strategically planned capital structure maximizes the use of the fund and helps to adapt to economic changes. The authors shows the relationship between the capital structure and profitability of listed banks of Sri Lanka. Descriptive statistical tools were used to define and summarize the behavior of each variable over the period of time .The results of the descriptive analysis shows that the mean of debt/equity ratio is 825.2% which indicates that the debt of banks are 8.25 times more than the total equity which is abnormal in the market as 2 times is perceived to be the maximum ratio for other sectors if the firm is to maintain a safe position. This shows that banks in Sri Lanka depend heavily on debt rather than equity. This can also be seen from the mean value of debt to total fund ratio which is 89% which indicates that banks capital structure is made up of 89% of leverage and only 11% of

Dante Di Gregorio, Douglas E Thomas, Fernán González de Castilla. International Journal of Management. Poole: Sep 2008. Vol. 25, Iss. 3; pg. 532, 15 pgs

To determine whether the SDB stocks are correctly priced, the financial performance of the SDB is assessed through its asset quality, earnings capability and capital adequacy. The suitability of the stake at 1.6 times the book value is also considered. All graphs and exhibits mentioned in the report are in the appendix. It should be noted that the analysis of this investments are purely done on information provided in the case study so limitations apply.

This report has been submitted to Kimathi University college of Technology in partial fulfillment of the requirements of Bachelor of Commerce (Accounting) Degree.

The information for performance evaluation is the financial ratio derived from the analysis of bank’s published financial statements, principally the balance sheet and the income statement. Ratios represent relationship between two or more items in the financial statement and they provide meaningful insights into profitability and risk

When evaluating the financial performance of various banks one must turn to the financial statements that they supply each year to the public as required by the Comptroller of the Currency, the Federal Deposit Insurance Corporation ( FDIC) and the Securities and Exchange Commission (SEC), if it is a publicly traded bank. The annual 10K report that is filed with the SEC along with the corporate websites of the financial institutions that are being looked at are good places to obtain the data necessary to evaluate growth for specific bank and to be able to compare it to other banks.

ANNALS of the ORADEA UNIVERSITY. Fascicle of Management and Technological Engineering, Volume VII (XVII), 2008

Essential and foremost, all praises for the Almighty Allah, the generous and benevolent, the maker of the universe, who gave us the strength and courage to finish the work. We invoke peace for Hazrat Muhammad (peace be upon him), the last prophet of Allah who is perpetually a light of direction for mankind as a whole.